dhanaáš ca dharmaika-phalaáš yato vai
jĂąÄnaáš sa-vijĂąÄnam anupraĹÄnti
gášheᚣu yuĂąjanti kalevarasya
máštyuáš na paĹyanti duranta-vÄŤryam
dhanam - wealth; ca - also; dharma-eka-phalam - whose only proper fruit is religiosity; yataḼ - from which (religious life); vai - indeed; jĂąÄnam - knowledge; sa-vijĂąÄnam - along with direct realization; anupraĹÄnti - and subsequent liberation from suffering; gášheᚣu - in their homes; yuĂąjanti - they utilize; kalevarasya - of their material body; máštyum - the death; na paĹyanti - they cannot see; duranta - insurmountable; vÄŤryam - the power of which.
Those things that come under the control of the proprietor are called dhanam, or wealth. When a foolish person becomes addicted to spending all of his hard-earned money to increase the prestige of his material body and family, he is no longer able to see how death is steadily approaching his own body as well as the temporary bodies of his family and friends. MáštyuḼ sarva-haraĹ cÄham: the Supreme Lord appears as all-powerful death, which destroys all material situations. Actually, even in family life one should use oneâs wealth for spiritual advancement of oneself and oneâs family. In the KášášŁáša consciousness movement there are many religious householders who live a simple, peaceful life and use their wealth for arranging KášášŁáša conscious activities at home and for helping the renounced brahmacÄrÄŤs and sannyÄsÄŤs who are actively preaching KášášŁáša consciousness in public places. Such householders, even those who are not able to dedicate one hundred percent of their energy to KášášŁáša consciousness, gradually acquire a very solid understanding of the spiritual principles of life and eventually become transcendentalists firmly fixed at the lotus feet of KášášŁáša. Thus they free themselves from all of the anxieties of conditional life, namely birth, old age, disease and death.
Life without KášášŁáša consciousness is actually poverty, but the poverty-stricken materialist, whose intelligence is limited, cannot perceive that real wealth is the expansion of consciousness up to the highest level of KášášŁáša consciousness, love of Godhead. Such persons raise their children to be just like animals, having as their only goal false prestige and material sense gratification. Such materialistic householders fear that excessive interest in spiritual life may damage the ambition of their children to acquire false material prestige. Actually, death will smash all of the endeavors and plans of such spiritually impoverished materialists. If family life and wealth are used for KášášŁáša consciousness, one will learn to discriminate between the eternal and the noneternal, between spirit and matter, between bliss and anxiety, and thus the living entity will become liberated and go beyond mere theoretical knowledge to acquire the highest perfectional benediction of eternal KášášŁáša conscious life. Limited sensory knowledge, pratyakᚣa-jĂąÄna, is useless without theoretical spiritual knowledge, parokᚣa-jĂąÄna, which gradually matures, with careful cultivation, into direct realized knowledge of the soul, aparokᚣa-jĂąÄna.
The word anupraĹÄnti in this verse indicates that by spiritual knowledge (vijĂąÄnam) one achieves the most sublime state of eternal peace and bliss, far beyond the dreams of the materialistic conditioned soul.